AINumbers.co Loan Servicing API

openapi: 3.2.0
info:
  title: AINumbers.co Fintech Intelligence Suite Loan Servicing API
  version: 1.0.0
  description: '**1255 fintech intelligence tools** covering ISO 20022, A2A payments, CFPB §1033, EU AI Act, DORA, MiCA, AML/KYC, BaaS, DLT/tokenization, ESG/climate finance, agentic payments (AP2, ACP, x402, Visa TAP, Mastercard Agent Pay), PQC migration, sanctions screening, and OpenChainGraph v0.4 computation chains.


    ## Transport


    > **The live transport is MCP JSON-RPC 2.0 at `https://mcp.ainumbers.co/mcp` — not REST.**

    >

    > This OpenAPI file is a **descriptive data-room artifact** — a machine-readable index of all tools and their input/output schemas. The REST paths (`POST /v1/tools/{name}`) described here are a projection; they become functional only if the optional REST shim (Area 2 Path B) is deployed.

    >

    > To call tools today, connect via the official MCP client SDKs. TypeScript: `@modelcontextprotocol/sdk`. Python: `mcp`.


    ## Architecture


    All tools run **entirely client-side** (browser JavaScript). Zero PII. Zero server calls after page load. Deterministic, reproducible outputs. Licensed CC BY 4.0.


    OpenChainGraph v0.4 compute-binding nodes additionally run **server-side on the MCP Worker** and emit verifiable artifacts with `execution_hash` (WebCrypto SHA-256 over RFC 8785 canonical JSON).'
  contact:
    name: Post Oak Labs
    url: https://postoaklabs.com
    email: tim@postoaklabs.com
  license:
    name: CC BY 4.0
    url: https://creativecommons.org/licenses/by/4.0/
servers:
- url: https://ainumbers.co
  description: Static browser-based tool host (DreamHost). Tools run client-side — no REST gateway is active on this origin. See x-mcp for the live MCP endpoint.
tags:
- name: loan-servicing
paths:
  /v1/tools/compute_loan_servicing_waterfall_recompute:
    post:
      operationId: compute_loan_servicing_waterfall_recompute
      summary: Loan Servicing Waterfall Recompute
      description: 'Independently recomputes how a single loan payment applies across escrow, fee, interest and principal buckets under the note''s own declared application order, then diffs the recomputed breakdown against the core''s actual applied amounts. The application order, bucket balances and payment amount are all caller-declared contract terms -- this tool never chooses or infers a posting order, and asserts no universal statutory application order. Reports MATCHES, DIVERGES (with per-bucket deltas), or INDETERMINATE whenever a required input is absent. Recompute and receipt only, never a claim of core-vendor endorsement or that either side''s figure is legally correct.


        **Tool URL:** https://ainumbers.co/tools/664-loan-servicing-waterfall-recompute.html

        **AP2/Policy Mandate export:** yes'
      tags:
      - loan-servicing
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                application_order:
                  type: array
                  items:
                    type: string
                bucket_balances:
                  type: object
                payment_amount:
                  type: integer
                core_applied:
                  type: object
              required:
              - application_order
              - bucket_balances
              - payment_amount
      responses:
        '200':
          description: Successful tool execution result
          content:
            application/json:
              schema:
                $schema: https://json-schema.org/draft/2020-12/schema
                type: object
                properties:
                  computed_applied_by_bucket:
                    type: object
                  unapplied_remainder:
                    type: integer
                  per_bucket_deltas:
                    type: array
                  verdict:
                    type: string
                    enum:
                    - MATCHES
                    - DIVERGES
                    - INDETERMINATE
      x-mcp-tool-name: compute_loan_servicing_waterfall_recompute
      x-tool-url: https://ainumbers.co/tools/664-loan-servicing-waterfall-recompute.html
      x-source: manifest
      x-ap2-export: true
x-mcp:
  transport: MCP JSON-RPC 2.0 (streamable HTTP)
  endpoint: https://mcp.ainumbers.co/mcp
  protocol_version: '2025-11-25'
  authentication: none
  registry: co.ainumbers/tools (official MCP registry)
  note: Connect any MCP-compatible client (Claude, ChatGPT, custom agent) directly to this endpoint. The REST paths in this file are descriptive only — they do not exist on the live server unless the REST shim is deployed.